I drive a fair bit, especially in the winter. I was only able to afford insurance because I have a university degree. I went through TD Meloche Monex. I just told them that I have a degree from U of T and they gave me a group rate of 1350$/year, which is a lot more than I am used to paying but much less than the 3500-5500$/year I was being quoted by other insurers. I hope this info can help someone here; and when you do drive, I know you will all be respectful of cyclists